Debit card payment

1111

Hi,
I made a payment last night using my debit card and it was declined so i tried again about 4 times and kept saying declined, but i have check my bank and they have taken the payment 4 times and paid two of the back in but not the other two, theres no order on my account that i tried to pay so i don't understand what happened
can any one advise?
Thanks xx

Plxply

If you only just made the purchase last night then you're looking at the authorisation holds that have been placed. No money has been taken, it's just that some is reserved in the event the merchant takes it.

1111

Hiya, Yes i tried to make the payment last night but declined and i couldnt process my order but i tried it 4 times and they took it each time and put 2 of the amounts back in but still 2 are missing, so i dont understand

dalesrider

I never get why people keep pressing confirm, when it says decline.
More often than not its a timeout on the retailers system and it has gone through.
Thankfull in this case the retailler system has auto reversed the auth twice, as it realised the error.
Could be the other 2 will simply drop of in the next 14 days.
Best bet email retailer and ask them what has happened and advise them that you have amounts o/s on your bank account.

PaulW922

This has happened to me before. It could either be automatic fraud protection by your bank but more likely to be the retailer or their merchant service provider ahving problems. Don't keep doing it as it may result in lots of similar debits. In these circumstances the 'hold' will probably be gone after close of business on Tuesday ( as Monday is a holiday).mit is not like an authorisation at a hotel for example which can stay there for days.

exel1966

What did your bank say when you called them ?

Hominu

1111 wrote: »

Hi,
I made a payment last night using my debit card and it was declined so i tried again about 4 times and kept saying declined

You are aware that the definition of insanity is doing the same thing over and over again and expecting a different result?

I can understand the first time being a blip in the system, but retrying again FOUR times?

1111

Ive not spoke to the bank we have online banking so have checked on there, when it declined i put the details in again and again thought i must of done it wrong or something.
Think it might be because its my partners bank account and the store account is not in his name, never had the problem before but thats all i can think of, and i didnt know if a payment got declined its still held. does anyone have a clue when it'll be in my account again?
Thanks for all you're replies so far xx

dalesrider

1111 wrote: »

i didnt know if a payment got declined its still held. does anyone have a clue when it'll be in my account again?
Thanks for all you're replies so far xx

Only way to find out is to talk to the retailer on that one.

Plxply

dalesrider wrote: »

Only way to find out is to talk to the retailer on that one.

The retailer hasn't taken the money, at the moment the authorisation hold is just on. Just to be clear to OP, no money has left your account the available balance has just decreased. This should bounce back up when the authorisations fall off.

The bank can tell you when it falls off as it differs for each bank but both the retailer and the bank can "force" the hold off although they'll probably bounce you between each other.

1111

Hi, decided to ring them and they said it will show back in the account after a couple of days Thank god for that thought i'd been ripped off xx